Satispaythe popular Italian platform for digital payments, has announced that from April 7, 2025 it will apply one Commission of 1% also for the Transactions lower than 10 euros. In parallel, it will introduce the possibility of making payments with deferred charge in case of insufficient credit in the app and offline transactions without internet connection. Assoutentuti also intervened on the case, which asked to review the measure.
Currently, the operations under 10 euros are exempt from commissions, an advantage that has contributed significantly to the dissemination of the service between consumers and operators in recent years.
The reaction of Assoutenti
According to Assoutenti, this decision could represent a step back compared to the policies adopted in recent years to encourage the use of electronic payments.
“This is a decision that penalizes both consumers and small operators – declares the President Gabriele Melluso – one of the strengths of Satispay It was precisely the absence of fixed costs for small payments, a factor that favored the spread of the service between citizens and neighborhood activities. Now, with the introduction of the commissions also for payments under 10 euros, there is a risk of hit those subjects who most need accessible and economic digital payment tools “.
The introduction of commissions on micro-transations could in fact discourage the use of electronic payments, affecting daily expenses As breakfasts at the bar, small purchases in neighborhood stores or local markets.
“We ask Satispay to review this decision and to evaluate alternative solutions that do not seriously come to consumers and small commercial activities. If necessary, we are ready to involve the competent authorities so that the protection of users and competition in the digital payments market is guaranteed “, concludes Melluso.
What is Satispay
Satispay, an entirely Italian digital payment application, allows you to transfer money and shop without the use of credit or debt cardsusing a system independent of traditional circuits and directly connecting the user’s bank account to the app. Its simplicity of use and costs content For operators they helped to make it particularly popular for payments in physical stores, online and between private individuals.
But for many this decision is the end of an era. Satispay had established itself as one of the most appreciated realities in Italy thanks to distinctive characteristics: a national company, the possibility of paying without cards practically everywhere and the absence of commissions. Or at least, to date. A choice probably dictated by budget needsbut which, as expected, has already triggered a heated debate.
The anger of the merchants
According to traders, small entrepreneurial realities could be the most affected by this decision, already grappling with the increase in management costs. “The commissions risk of erode the profit margins And to discourage the use of digital payments – the merchants say – frustrating the efforts to promote traceability and combat tax evasion “.
The main concern is that the increase in transaction costs can push many customers to return to the use of cash, thus interrupting the process of modernization of payments.
